So first attempt at Recon was denied because of high balance on Chase Ink Cash with low payments, despite it being on a 0%, that along with 3 balances of 50% of the CL's on personal cards.
So I paid off 4K of the 11k Balance on the Ink Cash, and 10% off of each of the 3 personal cards. Then waited a couple days and called back today.
They took maybe 10 minutes reviewing, they asked Income questions, mortgage questions and how I plan to pay off the Ink Cash as well as the other cards. He also brought up three 30 day lates from 2012-2013 which was sad because of how long ago they were.
After going through all that they said they don't want to extend me more credit at the moment, but are willing to reallocate part of my 5k FU card to open the Southwest Card.
So I'll chalk that up to an approval with a 50k SignUp Bonus! Now I'm at 5/24 until the end of April once they post the 60k offer for the other southwest card over the summer I'll get that and have the Companion Pass! I'll have my balances PIF by then so it shouldn't be an issue to be instantly approved
Congrats on your recon!
Congrats on the recon and SUB
Congratulations! It does take a long time for Chase to forgive and to forget. Well over ten years for me and it was a predecessor CC.